You can earn a good income and still feel like you are not getting ahead. Bills get paid, credit gets used, debt hangs around, and unexpected expenses can keep financial security feeling just out of reach.

Not Rich Yet: Get Stable First by Richard Funderburk is a practical personal finance guide for people who want to strengthen their financial foundation before focusing on long-term wealth building.

The book breaks personal finance into clear, actionable steps that can be applied immediately. You’ll learn how to build a budget around what actually matters to you, separate essential spending from discretionary choices, use credit more strategically, prioritize debt repayment, and improve the way you manage your money.

It also looks beyond simple cost cutting. Financial stability is not only about spending less; it is also about making better financial decisions, protecting your income, and finding opportunities to increase what you earn.

The goal is not overnight wealth or unrealistic financial promises. It is to help you understand where your money is going, regain control of your finances, reduce financial pressure, and create a stronger starting point for the future.

If you earn money but still find yourself thinking, “I should be farther ahead by now,” Not Rich Yet: Get Stable First gives you a practical place to start.